Reduce the 20 XRP wallet minimum to encourage smaller investors.

Community and investors interested in the XRP tokens are asking a lot about the 20 XRP minimum required to activate a wallet. They also are a bit concerned about that amount being stuck and it becomes more of a concern as the value of XRP is gaining momentum. We request Ripple Labs to reduce the 20 XRP minimum so that more smaller investors can join in and the cost doesn’t become prohibitive for them.